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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Citizens Advice exposes payday lenders’ failings as OFT closes in on unscrupulous lenders


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I find the fact that they actively champion the fact that 8 out of 10 customers pay back loans in full and on time. I find this shocking. 1/5 of their customers don't. What's the situation with them? How are they treated? How much are they stung in fees and charges?

 

If, and I quote 'Responsible lenders don’t lend to those unable to pay back' and 'Our members don’t target vulnerable people or lend to the unbanked' Just what sort of individual is within this 20% that don't pay back in full and on time.

 

It beggars belief.

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Have you seen their website?

 

Read some of the text on the front page.

 

http://www.cfa-uk.co.uk/

 

Unreal!

 

Hi sequenci

 

Just had a browse through.

 

Wonder what goes on at the team meetings......and now onto the afternoon session.....the subject is commission and timeshares

 

Yes, its a joke

 

This and a few other practices in debt and finance cant go on much longer its getting beyond rational thought now and is galloping out of control.

 

Code red has been spotted on the radar in the distance, but affirmative, it is definitely there

 

My opinions

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Government wont do ANYTHING about them. They belive the 'industry' should be self regulated. Why? Perhaps we should ask Mr Beescroft why.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

 

It has long gone past joke proportions.

 

The OFT pass it onto others after 12 weeks plus the rest

 

They then sit and talk about it along with their 'concerns' and an agency that takes over in April 2014

 

In the meantime, yes, you have guessed it......NOTHING REALLY HAPPENS AND THE MISERY & COST JUST GOES ON

 

My Take:)

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Anyone find it annoying that the CFA seem to be acting like the injured party here? It's not like they've had enough chances to clean up their act.

 

Almost every article I've read there's someone from the CFA acting like they've done nothing wrong.

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Anyone find it annoying that the CFA seem to be acting like the injured party here? It's not like they've had enough chances to clean up their act.

 

Almost every article I've read there's someone from the CFA acting like they've done nothing wrong.

 

Hi

 

I saw and listened to the chap from the CFA on the TV, the minister Jo Swinson was also briefly interviewed.

 

It was that bad we ended up having to purchase a new TV set today.

 

I have got to stop drinking in the house at night and maybe get out a bit more

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and didn't they also recently say that they were not interested in any interest rate caps?

 

also, http://www.consumeractiongroup.co.uk/forum/showthread.php?395822-Payday-lenders-could-face-advertising-ban&p=4276328#post4276328

 

Like i said, i blame a certain person already mentioned in this thread. it may just be a coincidence, but all the things he has done, it's just TOO much of a coincidence.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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:) see that now #14. they the minister reiterated it a couple of days ago as well, live on s news. Edited by Ford
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Consumer Minister Jo Swinson described the get-together, which was also attended by trade bodies, as “productive and lively”. She said one of the big issues raised was the ease with which people were able to take out more than one loan – often without lenders carrying out proper checks.

 

 

One borrower was able to take out 36 at the same time which was, Ms Swinson admitted, “pretty shocking”.

 

 

 

 

 

Interesting to see that Stella Creasey was not invited to the meeting !

 

 

Labour MP Stella Creasy was not invited to yesterday’s event, despite being a leading campaigner on the issue.

 

She said: “If you are a legal loan shark I think you would walk away very happy from the meeting. It wasn’t even a slap on the wrist for them.”

 

 

 

 

 

 

 

http://www.mirror.co.uk/news/uk-news/watchdogs-branded-too-soft-payday-2017363

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

Yes, strange that.

 

They cannot handle her maybe

 

She gets it spot on and will be proved right on everything she says in the end.

 

Top lady, no fear, tells it how it is.

 

In contrast I have Just seen this press release

 

http://www.dailymail.co.uk/tvshowbiz/article-2354147/Kerry-Katona-dropped-face-payday-lender-Cash-Lady-declaring-bankrupt-second-time-years.html?ico=tvshowbiz%5Eheadlines

 

Now, even if you tried your hardest you could not make some of this up.

 

Seriously, even for the Payday Loan industry it cannot get any dafter, can it?

 

My opinions and views

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Hi Wintry,

 

Do you know if Stella gets involved with the CABs in her constituency? I appreciate she's a soild spokesperson but I seldom come across examples where she has activly engaged with the free advice organisations, unless I'm missing something (and quite possibly could be). I've heard from Mike Dailly, he was pretty clear with what outcomes he would like to see - and I would imagine the free advice industry representatives would be signing from a similar hymn sheet.

 

That Mail article is incredible. I'm guessing a rather long BRU is coming her way. Well you would hope, wouldn't you?

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Yes, I saw that Kerry Katona is bankrupt again. You would have thought she would have learned her lesson from the first time round !

 

It is quite ironic that she was advertising such a shoddy product whilst working her way towards a further bankruptcy !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Brilliant PR for the payday loan firm though - NOT! hahaha.

 

Well yes, there is that. See what happens when you get involved with us.. even if you are working :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Wintry,

 

Do you know if Stella gets involved with the CABs in her constituency? I appreciate she's a soild spokesperson but I seldom come across examples where she has activly engaged with the free advice organisations, unless I'm missing something (and quite possibly could be). I've heard from Mike Dailly, he was pretty clear with what outcomes he would like to see - and I would imagine the free advice industry representatives would be signing from a similar hymn sheet.

 

That Mail article is incredible. I'm guessing a rather long BRU is coming her way. Well you would hope, wouldn't you?

 

Hi

 

I am not sure how much involvement she has with her local CAB.

 

She is active in general nationally on the payday loan issue and has been for sometime

 

If you google her name in with payday loans and citizens advice there is plenty of stuff on there.

 

I have heard and seen her on TV & radio numerous times and read her articles etc

 

In my opinion she gets it right and trounces the opposition every time she is on by simply base lining the questions and points of view which is all you have to do in any debate when the issues are obvious and attempts to bullxxxx and smoke screen are made - just keep bringing the other side back to the base line with the simple facts and figures.

 

It is easy with the Payday loan industry as we increasingly keep seeing - so much so that is quite frankly just a blot of an embarrassment the likes of I am struggling to remember ever seeing before, it really is getting that ridiculous.

 

Listening to the minister and the payday loan spokesmen the other night was simply a pathetic inexcusable joke in my opinion.

 

The CAB have been campaigning on this for some while and are ratcheting up the pressure along with other organisations, people, forums and so on.

 

It is headline stuff as we can all see - it is absolutely wide open for all to see and getting worse, but nothing is happening - WHY?

 

The misery goes on in the communities and for others caught up in this menace.

 

I can remember years ago when there was outcry against the doorstep lenders but this is on another planet compared to those days - dare I say it, but the doorstep lenders actually look inviting compared to this lot - best regards guys, come back, all is forgiven, we never meant what we said back then:)

 

Crack down on welfare, but turn a blind eye to this type of thing

 

At least give people and families a chance.

 

The Local Authorities, CABs, GP Surgeries, other agencies and support groups are right at the front line with all this, as I have said before debt advice is not just about debt management plans, bankruptcy, IVAs & Debt Relief Orders - it is also all about the other huge percentage including the most vulnerable who don't always fit that criteria who can very often find themselves left on their own in dealing with crisis & priority situations.

 

Flashy client testimonials and clever marketing box ticking mean nothing in this sphere of benefit, debt & housing advice, you can trust my word on that one

 

With regard to the Mail article, it speaks for itself -

 

Yes, a BRU is likely but not sure if that matters too much in the world of showbiz

 

My opinions

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